Why invest in University Bancorp?

University Bank is focused on profitable growth through niche financial services provided locally, nationally and via the Internet. These niches are Community Banking, Credit Unions, Islamic Finance and Federal Housing Administration Lending. Our niche businesses have become important profit drivers and represented 61.2% of our overall revenue in 2008. University Bancorp’s revenue growth has been rapid over the past several years:

The credit union industry is gaining market share from all other financial institutions. University Bancorp offers investors one of the few ways to invest in this ongoing growth of the credit union sector. Our Midwest Loan Services subsidiary grew over 30% per year on average for the past nine years in the value of mortgage loans subserviced to over $5.7 billion. Midwest is a business process outsourcer of mortgage services to 2.7% of the credit unions in the U.S., including 3 of the top 25 credit unions.

Islamic Finance serves individuals who wish to avoid paying or receiving interest while engaged in banking, including the 2.4 million Muslim citizens here in the U.S.

Federal Housing Administration Lending is the fastest growing sector of the residential mortgage business in the U.S., having grown from 3% of all new residential mortgage originations in 2006 to 39.2% in October 2008.

Key Manager Statement

“In the midst of all the turmoil, community banking is a dynamically growing business. Our bank has a market capitalization today of only $6 million. Learn more about our story, our track record of successful innovation and what the future holds for us.”

Stephen Lange Ranzini
President

Key Statistics:

• Shares Outstanding: 4,255,878
• Shares in Free Float: 1,287,457 (30.25%)

Release Date Schedule for Financial Updates to Shareholders
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	Investor Relations Contact
	Stephen Lange Ranzini, President 2015 Washtenaw Avenue, Ann Arbor Michigan 48104 Phone: (734) 741-5858 xt 226 Fax: (734) 741-5859 Email: ranzini@university-bank.com

Cautionary Remarks About Future Predictions
Any prediction of the future in inherently not assured. Investors should read the risk factors on pages 23 and 24 in the Company’s Securities Exchange Commission report on Form 10-K for the year ended December 31, 2007 and any prediction in this release in intended to be covered by the Safe Harbor provisions of Section 21E of the Securities Exchange Act of 1934.

Required Regulatory Statement on Risk
The securities of University Bancorp have NO FDIC Insurance and carry RISK OF LOSS: The securities are not insured by the FDIC or the Bank. The securities are subject to investment risks, including the possible loss of the principal amount invested.